I'd build a quad, and there is a laundry list of ways one can select to be amply rewarded for such. 

- You can find this out by going to Zillow, selecting your Zip code or Neighborhood, and looking at current rental listings.

@Alan Asriants Since you already received your decision,  I assume you selected the non oral hearing option?

I understand the 25k guy .. and the seller carry back folks normally those I see that do that will get the amount they paid for the dirt back in the down payment and the note is pure profit.

I understand that if I rent this ADU out, then I can have a tax write off on the mortgage payment and insurance payment for the the ADU's sqft portion.

Tenant and Lease ManagementSimplify tenant payment workflows, digitize receipts, and efficiently manage leases, rent collection, and maintenance requests, etc.5.

Then you can talk to the mortgage company or payment processor yourself. 

That allows the payment to be low, manageable and easy to cash flow when you transition it into a rental.When you move out you will have more money in the bank, stronger assets, and be cash fluid in case you need to make an offer on more investment properties.

If rates drop in the future, refinancing again could lower your payment, but it’s good to make sure the numbers work now just in case.

Before you ask, No, they will not make any back payments.